Church Shield. Summary IN IRELAND
|
|
- Loren Hardy
- 5 years ago
- Views:
Transcription
1 Church Shield Summary IN IRELAND
2 Cotets Itroductio 3 Property damage 4 Loss of icome 7 Moey 8 Theft by officials 9 Liabilities 9 Legal expeses 12 Persoal accidet 13 Geeral iformatio 15 Geeral exclusios ad coditios 15 Fudraisig evets ad special activities 15 Excesses 15 Log term agreemet 15 Paymet by istalmets 15 Makig a claim 15 Complaits procedure 16 The Isurace Compesatio Fud & the Fiacial Services Compesatio Scheme 16 The law applicable 17
3 CHURCHSHIELD SUMMARY OF COVER 3 This is a summary of the cover provided by the Methodist Isurace plc Church Shield policy. This policy will cover Your buildigs ad pipe orgas Your cotets ad persoal effects Your loss of icome Your moey Your losses followig theft by officials This booklet provides a summary of the mai features provided by our stadard policy. Please ote that this policy summary does ot cotai the full terms ad coditios of this cotract. These ca be foud i the Church Shield isurace policy wordig which is available o request. Your legal liabilities towards employees, authorised voluteers or members of the public followig a accidet Legal expeses isurace, to protect your positio o a rage of legal issues You or your employees or authorised voluteers beig uable to work because of a accidet You ad ayoe travellig o a church tour withi the Republic of Irelad ad the UK
4 4 SUMMARY OF COVER CHURCHSHIELD Property damage Features ad beefits Sigificat exclusios ad limitatios Uless we agree a more limited arragemet with you, this sectio covers the church buildigs, orga ad cotets agaist a wide rage of isured evets such as fire, malicious persos, accidetal damage, storm, flood ad theft. excludig wet or dry rot. excludig subsidece, heave or ladslip. excludig ay value attached to a item of cotets by reaso of its atiquity. Cotets are covered aywhere i the Republic of Irelad ad UK. s whilst away from the buildigs 25,000 ay oe item ad 50,000 i total for commuio plate. 15,000 ay oe claim for office equipmet. 3,750 ay oe item ad 15,000 i total for musical ad other portable items. Theft (icludes walk-i theft). 40,000 for ay oe item of cotets. 1,500 for cotets i ulocked outbuildigs. Restrictios apply for theft of exteral metal. Please cotact us if you eed further iformatio or check your curret schedule. Sums isured The sums isured will be the most we will pay. For buildigs ad orgas the sum isured should represet a assessmet of the approximate cost, usig moder techiques ad materials of restoratio or repair, or replacig the property with a moder equivalet, ad we will deal with your claim o this basis. The buildig icludes screes, bells, orgas, all paved areas ad stoe ad timber fixtures such as pulpits, pews ad fots. Also, tombs, moumets, memorials or shries withi the buildig. For cotets the sum isured should represet the total replacemet cost without makig ay deductio for wear, tear ad depreciatio (except for persoal effects ad clothig). 37,500 for each tomb, moumet, memorial or shrie withi the buildig.
5 CHURCHSHIELD SUMMARY OF COVER 5 Special features Features ad beefits Archaeological rescue Covers archaeological costs that may follow a isured evet eg the aalysis by the coservatio bodies of the origial fabric of the buildig should it become exposed by the damage. Costs must be ecessarily ad reasoably icurred as part of the repair, with our prior agreemet. Sigificat exclusios ad limitatios We will pay for these costs as far as the sum isured will allow, plus a additioal amout of 250,000 ay oe claim. excludig aalysis of udamaged portios. excludig ay below-groud excavatios. Plaig ad Developmet Act 2000 Provides for the costs of meetig coditios made by your local authority uder this legislatio, after a isured evet. 20% of the buildigs sum isured. The requiremets of the plaig authorities caot be predicted with certaity. The costs we will pay are i additio to ay cover that ca be provided withi the scope of the buildigs sum isured. Property i the ope This icludes moumets that are your property, garde fixtures, exteral lightig ad security equipmet, plus law mowig equipmet whilst i use. 7,500 ay oe claim. Whe lawmowers (other tha large chai mowers) are ot i use they must be cotaied i a locked outbuildig.
6 6 SUMMARY OF COVER CHURCHSHIELD Features ad beefits Clothig ad persoal effects of employees ad voluteers whilst egaged o church busiess or activities. Sigificat exclusios ad limitatios s 1,500 per perso. 320 per perso for moey. Church tours Cover for persoal effects ad moey for ayoe travellig o a church tour withi the Republic of Irelad ad UK for a period of up to 17 days. s 650 for persoal belogigs. 320 for moey. Doated goods Aywhere i the Republic of Irelad ad UK. s 2,250 ay oe item ad 7,500 ay oe fud-raisig evet. Exhibitio property ad marquees Cover for marquees ad other items ot belogig to you but for which you are resposible. s 3,750 ay oe item ad 15,000 ay oe exhibitio, festival or evet. Headstoes ad moumets if ot your property, but withi your premises or churchyard. Covers the cost of makig them safe followig the evets you have isured agaist uder the Property damage sectio eg storm or malicious damage. You must seek to recover your outlay from the owers of the property, i the first istace. s 7,500 ay oe period of isurace. Bequeathed property s 375,000 for bequeathed buildigs. 7,500 for ay other bequeathed item.
7 CHURCHSHIELD SUMMARY OF COVER 7 Loss of icome Features ad beefits Covers losses of icome that arise whe the premises are closed for repairs, followig damage isured uder the Property damage sectio. Cover is provided for a period of 36 moths. Sigificat exclusios ad limitatios 10% of the sum isured for buildigs orgas ad cotets. For example, you may lose icome from service collectios, or you may be uable to hire out the premises to other orgaisatios. I additio, cover is provided for costs you icur i resumig ormal church activities such as the cost of hirig alterative premises or equipmet. Special features Features ad beefits Archaeological digs We will pay the additioal amout if a loss uder this sectio is icreased followig archaeological discoveries. Sigificat exclusios ad limitatios Overall, the sum isured will apply. Other veues Covers your lost icome or icreased costs if damage occurs at aother veue where you are holdig a fud raisig evet, exhibitio or church activity. 15,000 ay oe claim. Church evets Covers loss of icome if a church evet is cacelled. excludig cacellatio due to weather coditios or lack of support. 1,300 ay oe claim.
8 8 SUMMARY OF COVER CHURCHSHIELD Moey Features ad beefits For o-egotiable moey eg crossed cheques ad postal orders. Sigificat exclusios ad limitatios s 375,000 ay oe loss. Loss of moey i trasit or i a bak ight safe. s 7,500 ay oe loss. Loss of moey while beig couted or i the home of a church official. s 7,500 ay oe loss. Loss of moey from a locked safe o the premises. Ay other loss. s 750. Special features Features ad beefits Sigificat exclusios ad limitatios Church festivals or fetes All the above limits (except o-egotiable moey) are doubled for the period from two days before to seve days after a church festival or fete. Damage to clothig ad persoal effects Of employees or officials as a result of theft of moey. 1,500 per perso.
9 CHURCHSHIELD SUMMARY OF COVER 9 Theft by officials Features ad beefits Provides cover for loss of moey caused by theft ad also ay auditors fees icurred with our writte coset. Sigificat exclusios ad limitatios 15,000 ay oe claim. Liabilities Features ad beefits Employers liability Covers your legal liability for accidets or illess to employees, icludig authorised voluteers, sustaied i the course of their employmet. Sigificat exclusios ad limitatios s 13,000,000 ay oe evet. Icludig legal costs ad expeses. Public ad products liability Covers the legal liability of the policyholder for accidetal bodily ijury to persos other tha employees, or for damage to their property. Icludes liability i coectio with buildigs temporarily occupied by you for a special occasio, evet or activity. s The stadard idemity limit is 6,500,000. We ca cosider requests for alterative limits. Legal costs ad expeses are payable i additio. Optios If you require a quotatio for this optio you will be asked to complete a appropriate applicatio form. Professioal cousellig services carried out by accredited cousellors whilst workig for ad uder the authority of the Church Coucil.
10 10 SUMMARY OF COVER CHURCHSHIELD Special features Features ad beefits Sigificat exclusios ad limitatios Pastoral care idemity For your liabilities arisig from the provisio of pastoral care to idividuals seekig the help of the Church. Cover applies to claims first made agaist you durig the period of isurace i respect of (a) ijury or damage to property, or (b) pecuiary losses where the claim does ot ivolve a ijury or damage to property (a) 6,500,000 ay oe period of isurace. (b) 150,000 ay oe period of isurace. Iclusive of all legal costs ad expeses. Errors ad omissios i providig services ad facilities Covers claims first made agaist you durig the period of isurace i respect of errors or omissios i providig services ad facilities. For example, the double bookig of weddig ceremoies. 150,000 ay oe period of isurace. Iclusive of all legal costs ad expeses. Idepedet examiatio of your accouts Covers your appoited idepedet examier for claims first made agaist him or her durig the period of isurace for errors or omissios i the examiatio of your accouts. The cover is for ay idepedet examiers, ot for registered auditors udertakig a audit of church accouts. 37,500 ay oe period of isurace. Iclusive of all legal costs ad expeses. Libel ad slader Covers claims first made agaist you durig the period of isurace i respect of libel ad slader eg arisig from publicatios such as the parish magazie. 375,000 ay oe period of isurace. Iclusive of legal costs ad expeses. excludig wilful or deliberate libel or slader.
11 CHURCHSHIELD SUMMARY OF COVER 11 Features ad beefits Motor cotiget liability Covers your legal liability followig accidets caused by the use of motor vehicles withi the Republic of Irelad ad UK which are ot your property, ad are ot provided by you but which are beig used by a employee i coectio with your church busiess. If you are ivolved i the use of trucks or tractors to tow trailers i ay parade, street etertaimet or similar social or fud-raisig activity, motor isurace arragemets must be made. You should obtai writte cofirmatio that the appropriate motor isurace cover is i force. Sigificat exclusios ad limitatios The idemity limit for public ad products liability will apply. Excludes damage to the vehicle itself ad ay property beig carried o it. Church trustee idemity This extesio is oly i force if you are permitted to effect this type of cover. The extesio covers claims first made agaist you durig the period of isurace i respect of wrogful acts committed by trustees. 150,000 ay oe period of isurace. Iclusive of legal costs ad expeses. excludig wilful or deliberate acts. It also covers you if a church related documet is lost or damaged; it will meet legal liability resultig from such loss ad the costs of restorig or replacig the documet. Hirers idemity Provides liability cover for persos or orgaisatios who hire your church for occasioal social evets o ot more tha three occasios a year per hirer. Cover is o a cotiget basis ie it oly applies with your agreemet ad provided that o other isurace is i force. The idemity limit is 2,500,000. Legal costs ad expeses are payable i additio.
12 12 SUMMARY OF COVER CHURCHSHIELD Legal expeses Note: to esure a expert service the cover uder this sectio is arraged by us i cojuctio with DAS Legal Expeses Isurace Compay ed (DAS). Features ad beefits Sigificat exclusios ad limitatios Legal expeses cover for a rage of legal issues specified i the policy up to the limit of idemity stated i the schedule for legal costs ad expeses icludig solicitors' ad barristers' fees, court costs, expeses for expert witesses, attedace expeses accoutats' fees ad employmet compesatio awards (the latter are further limited to a aggregate limit i total for all such awards i ay period of isurace as stated i the schedule or policy wordig). You must let DAS kow about ay problems straight away or they may ot provide cover if you have tried to deal with matters o your ow. Problems must relate to your busiess activities i order for cover to apply. Ay claims where you are bakrupt or become bakrupt at the start or durig a claim are excluded. Except i certai circumstaces, as specified i the policy wordig, cover is subject to a "reasoable prospects of success" clause. "Reasoable prospects" is a 51% or greater chace of success, as assessed by a law firm or tax expert chose by DAS. I certai circumstaces, you may be free to appoit your ow legal represetative, who will be subject to the DAS stadard terms of appoitmet, icludig a hourly rate of 150 per hour. Ay costs that fall outside the stadard terms will ot be paid by us. Value-added services: Commercial legal advice helplie. Health ad medical iformatio services. Cousellig helplie for the proprietor, employees ad their immediate family members. Employmet Maual - offerig olie employmet guidace.
13 CHURCHSHIELD SUMMARY OF COVER 13 Persoal accidet Features ad beefits The stadard policy provides beefit paymets followig accidetal ijury to, or death of: employees, authorised voluteers or youths whilst egaged i church busiess or church activities. Sigificat exclusios ad limitatios excludig isured persos over the age of 80. excludig certai hazardous sports or activities. Ask us if you are i ay doubt about a activity ad we will advise you if the persoal accidet cover is affected. Beefits Uder 16 Death 15,000 7,500 Loss of oe or both eyes or oe or more limbs 15,000 15,000 Permaet total disability 15,000 15,000 Temporary total disability 150 per week 15 per week
14 14 SUMMARY OF COVER CHURCHSHIELD Special features Features ad beefits Medical expeses (icludig detal ad surgical expeses) For medical expeses paid alogside a death or disablemet claim we have accepted uder this sectio. Also, for medical expeses paid if ay member of the clergy, employee or voluteer is assaulted whilst o your busiess. This icludes ay ijury, whether or ot a death or disablemet beefit is payable. Sigificat exclusios ad limitatios 2,500 per perso. 7,500 per perso. Clothig ad persoal effects If damaged i coectio with a ijury claim accepted uder this sectio. 1,000 per perso. Group travel Cover for orgaised outigs or holidays away from the church premises. For trips of up to 17 days that take place withi the Republic of Irelad ad UK. We ca arrage cover for foreig trips if requested. Loss of deposits / cacellatio. 650 per perso. Medical expeses. 650 per perso. Hospital beefit. 20 per day maximum of 400. Persoal accidet. Death - 15,000 ( 7,500 for uder 16 s). Loss of limb(s) - 15,000. Loss of eye(s) - 15,000. Permaet total disablemet - 15,000.
15 CHURCHSHIELD SUMMARY OF COVER 15 Geeral iformatio Geeral exclusios ad coditios Excesses excludig war ad similar risks excludig terrorism except where cover is specifically provided excludig computer date-recogitio problems, computer viruses ad hackig For claims uder the Property damage, Loss of icome, Moey ad Theft by officials sectios you will be resposible for the first amout of the claim ie the excess. The stadard excess is 60. You ca obtai a discout i premium for icreased excesses. You must tell us if the premises become uoccupied Some sectios provide for property away from the premises. Where this is the case if property is left i a uatteded vehicle it must be hidde from view ad the vehicle must be fully secured. Fudraisig evets ad special activities Please tell us i advace if you are cosiderig ay activities of a potetially hazardous ature such as clay pigeo shoots, firework displays, rock climbig or abseilig. We will the cofirm the isurace positio, particularly i relatio to public liability issues. Prior to eterig ito ay hirig agreemet please sed us a copy so that we ca check for oerous terms such as makig the hirer resposible for all damage, however caused. More detailed iformatio about evets ad hirig agreemets ca be foud i our guidace otes ad fact sheets which are available from your Isurace Cosultat ad Surveyor or o our website: Log term agreemet You ca choose to eter ito a agreemet to cotiue the isurace with us for a period of five cosecutive years i exchage for a 25% discout from the aual premium. If you withdraw from the agreemet early we will be etitled to charge you a withdrawal fee which ca be up to 12.5% of the aual premium payable. Paymet by istalmets If you wish, your premium ca be paid by mothly istalmets for a additioal charge. Please request a Spreadig the cost of isurace leaflet for further details. Makig a claim If you eed to report a claim you ca call us o hours a day 7 days a week methodistsclaims@micmail.com For legal expeses claims If you wish to report a ew legal expeses claim please call DAS Legal Expeses Isurace Compay ed
16 16 SUMMARY OF COVER CHURCHSHIELD Complaits procedure If you are uhappy with our products or service, please cotact us as soo as possible. You ca complai i writig or verbally at ay time to: For all complaits other tha Legal expeses complaits Methodist Isurace plc St A's House, St A's Place, Machester, M2 7LP Uited Kigdom Tel: equiries@micmail.com For Legal expeses complaits DAS Legal Expeses Isurace Compay ed Europa House, Harcourt Cetre, Harcourt Street, Dubli 2, D02 WR20 Tel: customerrelatios@das.ie Our promise to you We will aim to resolve your complait withi oe busiess day. To resolve your complait we will: Ivestigate your complait diligetly ad impartially. Keep you iformed of the progress of the ivestigatio. For more complex issues, we may eed a little loger to ivestigate ad we may ask you for further iformatio to help us reach a decisio. Respod i writig to your complait as soo as possible. If you are ot satisfied with our respose, or if we have ot completed our ivestigatio withi eight weeks, we will iform you of your right to take the complait to: The Fiacial Services & Pesios Ombudsma Licol House, Licol Place, Dubli 2, D02 VH29 Tel: ifo@fspo.ie Website: The Fiacial Services & Pesios Ombudsma ca ivestigate complaits from all customers, except limited compaies which have a turover of 3m ad above. This complaits hadlig procedure does ot affect your right to take legal proceedigs. The Isurace Compesatio Fud & the Fiacial Services Compesatio Scheme (FSCS) Irish residet policyholders of Methodist Isurace plc may be i a positio to claim from either the Isurace Compesatio Fud or the FSCS. Brief details of each of these is outlied below: The Isurace Compesatio Fud This was established uder the Isurace Act 1964 ameded by the Isurace (Amedmet) Act The fud is desiged to facilitate paymets to policyholders i relatio to risks i Irelad where a Irish-authorised o-life isurer or a o-life isurer authorised i aother EU Member State goes ito liquidatio or admiistratio. Not all policyholder liabilities are covered by the fud. A sum due to a commercial policyholder may ot be paid out of the fud uless the sum is due i respect of the liability to a idividual. For further iformatio o the scheme you ca visit the Cetral Bak website at
17 CHURCHSHIELD SUMMARY OF COVER 17 The Fiacial Services Compesatio Scheme This scheme was set up uder the terms of the Uited Kigdom Fiacial Services ad Markets Act It exteds to iclude policies issued by the Republic of Irelad braches of Uited Kigdom isurers, provided they are authorised by the PRA. The Fiacial Services Compesatio Scheme (FSCS) is a idepedet body, set up by the UK Govermet, which may be able to compesate you i the ulikely evet we are uable to meet our obligatios to you. Some restrictios apply to the FSCS ad further iformatio is available from their website; or by writig to: Fiacial Services Compesatio Scheme 10th Floor Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU Tel: Fax: equiries@fscs.org.uk The law applicable This policy shall be govered by ad costrued i accordace with the law of the Republic of Irelad
18 18 SUMMARY OF COVER CHURCHSHIELD Notes
19 CHURCHSHIELD SUMMARY OF COVER 19 This cotract is uderwritte by: Methodist Isurace plc. Our FCA register umber is Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website or by cotactig the FCA o
20 If you would like this booklet i large prit, braille, o audio tape or computer disc please call us o You ca also tell us if you would like to always receive literature i aother format. Methodist Isurace plc, St A s House, St A s Place, Machester M2 7LP Tel: equiries@micmail.com Methodist Isurace PLC Reg. No Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ. Methodist Isurace PLC is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority i the Uited Kigdom, ad regulated by the Cetral Bak of Irelad for Coduct of Busiess rules. Prited o paper from sustaiable forests POD983/3/1018
Circuit and District Shield
IN IRELAND Circuit ad District Shield Summary Cotets Itroductio 3 Property damage 4 Loss of icome 5 Moey 5 Theft by officials 6 Liabilities 7 Legal expeses 8 Persoal accidet 9 Geeral iformatio 10 CIRCUIT
More informationChurch Shield. Summary
Church Shield Summary Cotets Itroductio 3 Property damage 4 Loss of icome 7 Moey 8 Theft by officials 10 Liabilities 10 Legal expeses 13 Persoal accidet 14 Terrorism 15 Geeral iformatio 16 Geeral exclusios
More informationCHURCH INSURANCE. summary of cover
CHURCH INSURANCE summary of cover 2 SUMMARY OF COVER CHURCH INSURANCE Cotets Itroductio 3 Property damage 4 Loss of icome 8 Moey 9 Theft by officials 10 Liabilities 10 Legal expeses 13 Persoal accidet
More informationsummary of cover CHURCH INSURANCE Northern Ireland Version 1
summary of cover CHURCH INSURANCE Norther Irelad Versio 1 Cotets Itroductio 3 Property damage 4 Loss of icome 9 Moey 10 Theft by officials 11 Liabilities 11 Legal expeses 14 Persoal accidet 15 Geeral iformatio
More informationHALLGUARD. summary of cover
HALLGUARD summary of cover 2 SUMMARY OF COVER HALLGUARD INSURANCE Cotets Itroductio 3 Fud raisig evets ad special activities 4 Geeral iformatio 4 Property damage 5 Loss of icome 9 Moey 10 Theft by officials
More informationsummary of cover CONTRACT WORKS INSURANCE
1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.
More informationPARISHGUARD. summary of cover. Version 6
PARISHGUARD summary of cover Versio 6 Cotets Itroductio 3 Fud raisig evets ad special activities 4 Geeral iformatio 4 Property damage 5 Loss of icome 10 Moey 11 Theft by officials 12 Liabilities 13 Legal
More informationArt & Private Client insurance policy SUMMARY OF COVER
Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What
More informationsummary of cover PROPERTY OWNERS INSURANCE
summary of cover PROPERTY OWNERS INSURANCE 2 SUMMARY OF COVER PROPERTY OWNERS Policy ref: PD2309 What is a policy summary? This documet provides key iformatio about the Property Owers isurace policy. Please
More informationsummary of cover PROPERTY OWNERS INSURANCE Version 5
summary of cover PROPERTY OWNERS INSURANCE Versio 5 2 SUMMARY OF COVER PROPERTY OWNERS Policy ref: PD2309 What is a policy summary? This documet provides key iformatio about the Property Owers isurace
More informationsummary of cover HOME INSURANCE Version 5
summary of cover HOME INSURANCE Versio 5 Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Legal expeses 10 Home emergecy 11 Security requiremets 12 Geeral iformatio
More informationMotor legal expenses. Keep me safe
Motor legal expeses Keep me safe Motor legal expeses This legal expeses isurace is part of your LV= motor isurace policy ad your isurace schedule will cofirm if this cover is icluded. You must read your
More informationLV= FLEET INSURANCE POLICY SUMMARY
Policy Uderwritte by: Highway Isurace Compay Ltd, Highway House, 171 Kigs Road, Bretwood, Essex CM14 4EJ LV= FLEET INSURANCE POLICY SUMMARY Some importat facts about your Fleet Isurace are summarised below.
More informationUS Dollar Bank Account
FACT SHEET Page 1 of 3 Please keep for future referece US Dollar Bak Accout Call us o 0800 092 3300 Fact Sheet (icludig Fiacial Services Compesatio Scheme (FSCS) Iformatio Sheet & Exclusios List) The US
More informationHome legal expenses. Keep me safe
Home legal expeses Keep me safe Home Legal Expeses This legal expeses isurace is part of your LV= home isurace policy, your home isurace schedule will cofirm if this cover is icluded. You must read your
More informationYour guide to Protection Trusts
Your guide to Protectio Trusts Protectio Makig the most of your Aviva protectio policy Nobodylikestothikaboutwhatwill happewhetheyhavegoe.you realready thikigaheadbyhavigaprotectiopolicy iplace,whichcouldhelptheoesyoulove
More informationYour summary of cover. Saga Motorhome Insurance
Your summary of cover Saga Motorhome Isurace Cotets Your itroductio to Saga Motorhome Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose
More informationMotor Legal Protection policy
Motor Legal Protectio policy Demads ad Needs Statemet This policy meets the demads ad eeds of a driver who is ivolved i a motor accidet for which they are ot to blame ad are ot covered by aother Motor
More informationFact Sheet including Terms & Conditions (including Financial Services Compensation Scheme (FSCS) Information Sheet & Exclusions List) Summary Box
FACT SHEET Page 1 of 5 Please keep for future referece Call us o 0800 092 3300 Term Deposit Fact Sheet icludig Terms & Coditios (icludig Fiacial Services Compesatio Scheme (FSCS) Iformatio Sheet & Exclusios
More informationSummary of Benefits THE SCRIPPS RESEARCH INSTITUTE
Summary of Beefits THE SCRIPPS RESEARCH INSTITUTE All Active Full Time Beefit Eligible Employees Workig i Califoria Basic Term Life, Basic Accidetal Death & Dismembermet, Buy-Up Term Life, Buy-Up Depedet
More informationCAF 12 MONTH FIXED RATE SAVER Business, Charity and Trust Savings Terms and Conditions Effective from 25 May 2018
CAF 12 MONTH FIXED RATE SAVER Busiess, Charity ad Trust Savigs Terms ad Coditios Effective from 25 May 2018 workig i associatio with The followig Terms ad Coditios cover busiess, charity ad trust savigs
More information(Zip Code) OR. (State)
Uiform Applicatio for Ivestmet Adviser Registratio Part II - Page 1 Name of Ivestmet Adviser: Stephe Craig Schulmerich Address: (Number ad Street) 10260 SW Greeburg Rd. Ste 00 (State) (City) Portlad (Zip
More informationLV= Travel Insurance Policy Summary
LV= Travel Isurace Policy Summary This documet is a summary of your policy. The full terms ad coditios of your policy ca be foud i the isurace booklet, importat iformatio leaflet ad your isurace schedule.
More informationPension Annuity. Policy Conditions Document reference: PPAS1(6) This is an important document. Please keep it in a safe place.
Pesio Auity Policy Coditios Documet referece: PPAS1(6) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity. These
More informationSIPP. Application guide
SIPP Cotributio Amedmet Form For Modular isipp, isipp, esipp, Private Cliet SIPP, Select SIPP, Partership SIPP, IPS SIPP, IPS (2008) SIPP, IPS Family SIPP ad IPS Pesio Builder SIPP JHAY1028A Applicatio
More informationSummary of Benefits HAMPSHIRE COLLEGE
Summary of Beefits HAMPSHIRE COLLEGE All Employees other tha Dea of Faculty ad VP of Fiace ad Admiistratio Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationReserve Account. Please keep for future reference FACT SHEET. Call us on
FACT SHEET Page 1 of 4 Please keep for future referece Call us o 0800 092 3300 Reserve Accout Fact Sheet (icludig Fiacial Services Compesatio Scheme (FSCS) Iformatio Sheet & Exclusios List) The Cater Alle
More informationYour Appeal Rights Under the Income Tax Act
Your Appeal Rights Uder the Icome Tax Act P148(E) Rev. 00 3327 Visually impaired persos ca get iformatio o services available to them, ad ca order publicatios i braille or large prit, or o audio cassette
More informationCARERS UNEMPLOYMENT CLAIM FORM C
CARERS UNEMPLOYMENT CLAIM FORM C Piacle House, A1 Baret ay, Borehamwood, Hertfordshire D6 2XX Compay Number 1007798 IMPORTANT POLICY TERMS MAY VARY, BUT YOU SHOULD RETURN THE CLAIM FORM AS SOON AS YOU
More informationCurrent Year Income Assessment Form 2017/18
Curret Year Icome Assessmet Form 2017/18 Persoal details Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address Postcode Postcode If you
More informationCollections & Recoveries policy
Collectios & Recoveries policy The purpose of this policy is to set out the actio Ledy takes to ecourage borrowers to repay their loas withi term. This policy also serves to set out the actio Ledy takes
More informationSummary of Benefits. Management Consulting & Research, LLC
Summary of Beefits Maagemet Cosultig & Research, LLC All MCR Full Time Employees ad all other Full Time Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet
More informationPet Insurance Policy Summary
Pet Isurace Policy Summary This documet is a summary of your policy. The full terms ad coditios of your policy ca be foud i the isurace booklet ad your isurace schedule. The isurace policy is uderwritte
More informationLife & Disability Insurance. For COSE Employer Groups with 10+ Employees
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationTerms and conditions. Santander Sharedealing. A. General conditions TERMS AND CONDITIONS
TERMS AND CONDITIONS Terms ad coditios Satader Sharedealig A. Geeral coditios 1 Itroductio 1.1 Abbey Stockbrokers Limited tradig as Satader Sharedealig ( SSD ) provides a executio-oly sharedealig service
More informationSummary of Benefits RRD
Summary of Beefits RRD All Eligible Employees Basic Term Life, Optioal Term Life, Optioal Depedet Term Life ad Optioal Accidetal Death & Dismembermet Issued by The Prudetial Isurace Compay of America Effective:
More informationCar Insurance. Policy document. Keep me safe
Car Isurace Policy documet Keep me safe WELCOME TO ABC INSURANCE Thak you for choosig to purchase a ABC Isurace policy. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool
More informationLV= Travel Insurance Policy Summary
LV= Travel Isurace Policy Summary This documet is a summary of your policy. The full terms ad coditios of your policy ca be foud i the documet of isurace ad your isurace schedule. The isurace policy is
More informationFEHB. Health Benefits Coverage for Noncareer Employees
FEHB Health Beefits Coverage for Nocareer Employees Notice 426 September 2005 The Federal Employees Health Beefits (FEHB) Program permits certai ocareer (temporary) employees to obtai health isurace, if
More informationMARYLAND ASSOCIATION OF BOARDS OF EDUCATION. Basic Term Life. Basic Accidental Death & Dismemberment
Summary of Beefits MARYLAND ASSOCIATION OF BOARDS OF EDUCATION All Somerset Couty Employees Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life ad Depedet Term Life Issued by The Prudetial
More informationLandlords Legal Expenses and Rent Guarantee Insurance. arranged by Arthur J Gallagher
Ladlords Legal Expeses ad Ret Guaratee Isurace Persoal Family Replacemet Legal Legal Protectio Vehicle Expeses Policy arraged by Arthur J Gallagher Ladlords Legal Expeses ad Ret Guaratee Isurace This isurace
More informationLaid-up vehicle insurance
Footma James Laid-up vehicle isurace Please read this isurace policy documet carefully to make sure it meets your eeds. Keep this isurace policy documet i a safe place. Arraged by: Footma James, a tradig
More informationSpecialist Vehicle Insurance
Keep me safe Specialist Vehicle Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies.
More informationBespoke Car Insurance
Keep me safe Bespoke Car Isurace Policy documet Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool
More informationYOU RE COVERED. Eurostar cancellation and possessions insurance USEFUL PHONE NUMBERS
USEFUL PHONE NUMBERS Premium refud requests (14 day cacellatio period) ad Eurostar Compesatio Scheme (sectio 3) 03432 186 186 (Policies bought with Eurostar ticket) 0371 200 2457 (Policies bought separately)
More informationDocument of Insurance. Keep me safe. Car Insurance
Documet of Isurace Keep me safe Car Isurace Welcome to LV= Thak you for choosig LV= car isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig you
More informationSummary of Benefits WESTERN MISSOURI MEDICAL CENTER
Summary of Beefits WESTERN MISSOURI MEDICAL CENTER All Full Time Maagemet ad Physicias other tha Executives Basic Term Life, Basic Accidetal Death & Dismembermet, Optioal Term Life, Optioal Depedet Term
More informationDocument of Insurance. Keep me safe. Car Insurance
Documet of Isurace Keep me safe Car Isurace Welcome to LV= Thak you for choosig LV= car isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig you
More informationSupplementary Contribution Application Form
SIPP Supplemetary Cotributio Applicatio Form (For Modular isipp, Private Cliet SIPP, isipp, esipp, Partership SIPP, Wrap SIPP ad Select SIPP oly) JHAY0251 Applicatio guide Please use this form if you wish
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationDefined Benefit Section. Member Booklet. Your Pension. Your Future.
Defied Beefit Sectio Member Booklet Your Pesio. Your Future. 2 Cotets Itroductio 2 The DB Sectio of the Scheme at a glace 3 Your beefits at Normal Retiremet Date 4 Death before retiremet 6 Death after
More informationAPPLICATION FORM. Janus Henderson Investors. Valid from 30 May SECTION 1 About yourself
Jaus Hederso Ivestors APPLICATION FORM Valid from 30 May 2017 You should use this form if you wish to ivest i the Hederso Ivestmet Fuds Limited rage. Further iformatio is cotaied i the Prospectus, the
More informationAccumUL Plus. United of Omaha Life Insurance Company A Mutual of Omaha Company. product guide
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay AccumUL Plus product guide L7864_1211 Product base pla features, provisios ad riders may ot be approved i all states. For producer use oly. Not
More informationDocument of Insurance. Keep me safe. Car Insurance
Documet of Isurace Keep me safe Car Isurace Welcome to LV= We re delighted you ve chose us Thak you for buyig a LV= isurace policy. We re really pleased that you ve chose us for your car isurace eeds ad
More informationAccelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.
Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued
More informationStructuring the Selling Employee/ Shareholder Transition Period Payments after a Closely Held Company Acquisition
Icome Tax Isights Structurig the Sellig Employee/ Shareholder Trasitio Period Paymets after a Closely Held Compay Acquisitio Robert F. Reilly, CPA Corporate acquirers ofte acquire closely held target compaies.
More informationGuide for. Plan Sponsors. Roth 401(k) get retirement right
Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay mutual of omaha retiremet services Roth 401(k) Guide for Pla Sposors MUGC8764_0210 get retiremet right roth 401(k) expads your optios Drive
More informationguaranteed universal life express (gule)
guarateed uiversal life express (gule) Guaratee tomorrow. Focus o today. Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L7464_0314 For Producer use oly. Not for use with the
More informationPage 1 of 11. Personal Loan Payment Protection Insurance Policy Document
Page 1 of 11 Persoal Loa Paymet Protectio Isurace Policy Documet Isurace Page 2 of 11 Cotets Itroductio 03 Chagig your mid your cacellatio rights 03 Eligibility, importat otes ad material facts 03 Chages
More informationSTRAND: FINANCE. Unit 3 Loans and Mortgages TEXT. Contents. Section. 3.1 Annual Percentage Rate (APR) 3.2 APR for Repayment of Loans
CMM Subject Support Strad: FINANCE Uit 3 Loas ad Mortgages: Text m e p STRAND: FINANCE Uit 3 Loas ad Mortgages TEXT Cotets Sectio 3.1 Aual Percetage Rate (APR) 3.2 APR for Repaymet of Loas 3.3 Credit Purchases
More informationRepairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings
Repairs for your vehicle A like for like hire car Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim
More informationDocument of Car Insurance
Documet of Car Isurace Here are some hady tear-out cards you ca use i a emergecy IMPORTANT TELEPHONE NUMBERS Customer Services 0800 032 2799 Claims (withi the UK) 0800 032 2577 (outside the UK) +44 1689
More informationDocument of Insurance. Keep me safe. Motorbike Insurance
Documet of Isurace Keep me safe Motorbike Isurace Welcome to LV= Thak you for choosig LV= motorbike isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig
More informationSpecialist Vehicle Insurance
Keep me safe Specialist Vehicle Isurace Policy documet WELCOME TO HIGHWAY INSURANCE Thak you for choosig Highway Specialist Vehicle isurace. We hope you ll be happy with the cover ad service you get from
More informationDocument of Insurance. Keep me safe. Motorcycle Insurance
Documet of Isurace Keep me safe Motorcycle Isurace Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your motorcycle isurace
More informationSupplementary Contribution Application Form
SIPP Supplemetary Cotributio Applicatio Form (For Modular isipp, James Hay isipp, James Hay Private Cliet SIPP, esipp, Wrap SIPP ad Select SIPP oly) JHAY0251 Applicatio Guide Please complete this form
More informationguaranteed universal life
guarateed uiversal life Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay product guide L8416_0314 For Producer use oly. Not for use with the geeral public. 1 Guaratee your cliets future. Guarateed
More informationAccelerated Access Solution. Chronic Illness Living Benefit (California Only) Access your death benefits while living.
Chroic Illess Livig Beefit (Califoria Oly) Access your death beefits while livig. Accelerated Access Solutio Chroic Illess Accelerated Death Beefit Rider (optioal) for Secure Lifetime GUL 3; Value+ Protector
More information1031 Tax-Deferred Exchanges
1031 Tax-Deferred Exchages About the Authors Arold M. Brow Seior Maagig Director, Head of 1031 Tax-Deferred Exchage Services, MB Fiacial Deferred Exchage Corporatio Arold M. Brow is the Seior Maagig Director
More informationSEC Adopts. Amendments. To The Advisers Act Custody Rule SECURITIES LAW ALERT MARCH 2010
MARCH 2010 SEC Adopts Amedmets To The Advisers Act Custody Rule The Securities Exchage Commissio ( SEC ) has adopted amedmets to Rule 206(4)-2 (the Custody Rule ) uder the Ivestmet Advisers Act of 1940
More informationCar Insurance. Policy document. Keep me safe
Car Isurace Policy documet Keep me safe WELCOME TO ABC INSURANCE Thak you for choosig ABC Car isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig
More informationMOTOR TRADE INSURANCE
MOTOR TRADE INSURANCE Documet of motor trade isurace Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway Isurace, part of the Liverpool Victoria group
More informationKeep me safe. Van Insurance. Policy document
Keep me safe Va Isurace Policy documet WELCOME TO HIGHWAY INSURANCE Thak you for choosig Highway Va isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig
More informationDocument of home insurance. Home Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe
Documet of home isurace Home Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Part of Liverpool Victoria Cotets Page Welcome to ABC Isurace 2 Your ABC home isurace policy 3 Fraud
More informationTerms & Conditions and Important Information Credit Cards
Importat iformatio Terms & Coditios ad Importat Iformatio Credit Cards Please read these Terms ad Coditios alog with the Key Facts Documet together they provide all the iformatio you eed about the credit
More informationQuad, Trikes & Buggies Insurance
Keep me safe Quad, Trikes & Buggies Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies.
More informationYour guide to our four Prepaid Funeral Plans
Your guide to our four Prepaid Fueral Plas I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig
More informationTerms & Conditions and Important Information Credit Cards
Importat iformatio Terms & Coditios ad Importat Iformatio Credit Cards Please read these Terms ad Coditios alog with the Key Facts Documet together they provide all the iformatio you eed about the credit
More informationKEY INFORMATION DOCUMENT CFD s Generic
KEY INFORMATION DOCUMENT CFD s Geeric KEY INFORMATION DOCUMENT - CFDs Geeric Purpose This documet provides you with key iformatio about this ivestmet product. It is ot marketig material ad it does ot costitute
More informationRollover & Superannuation Fund
Rollover & Superauatio Fud A fud that allows you to build your savigs for retiremet i a tax effective eviromet. Product Disclosure Statemet This is a combied Fiacial Services Guide ad Product Disclosure
More informationOsborne Books Update. Financial Statements of Limited Companies Tutorial
Osbore Books Update Fiacial Statemets of Limited Compaies Tutorial Website update otes September 2018 2 f i a c i a l s t a t e m e t s o f l i m i t e d c o m p a i e s I N T R O D U C T I O N The followig
More informationA guide for members RPS 65
A guide for members RPS 65 Disclaimer The iformatio provided i this guide is iteded for geeral iformatio ad illustrative purposes. Your beefits will be worked out i accordace with ad subject to the goverig
More informationTUSCULUM COLLEGE. Group Number:
The Guardia Life Isurace Compay of America, New York, NY 10004 Group Number: 00498351 TUSCULUM COLLEGE Here you'll fid iformatio about your followig employee beefit(s). Be sure to review the eclosed -
More informationCar Insurance. Policy document. Keep me safe
Car Isurace Policy documet Keep me safe WELCOME TO HIGHWAY INSURANCE Thak you for choosig Highway Car isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you
More informationPuerto Rico Tax Incentives: The TCJA and other considerations
Puerto Rico Tax Icetives: The TCJA ad other cosideratios February 14-15, 2019 Edgar Ríos-Médez, Esq. Table of Cotets Iteratioal Tax Provisios 3 q Corporate Tax Rates ad Other Provisios 4 q Global Itagible
More informationIFSL Brooks Macdonald OEIC
Supplemetary Iformatio Documet IFSL Brooks Macdoald OEIC To be used i cojuctio with the Key Ivestor Iformatio Documets for: Balaced Fud; Cautious Growth Fud; Defesive Icome Fud; Strategic Growth Fud; ad
More informationT4032-ON, Payroll Deductions Tables CPP, EI, and income tax deductions Ontario Effective January 1, 2016
T4032-ON, Payroll Deductios Tables CPP, EI, ad icome tax deductios Otario Effective Jauary 1, 2016 T4032-ON What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are outlied.
More informationREINSURANCE ALLOCATING RISK
6REINSURANCE Reisurace is a risk maagemet tool used by isurers to spread risk ad maage capital. The isurer trasfers some or all of a isurace risk to aother isurer. The isurer trasferrig the risk is called
More informationsetting up the business in sage
3 settig up the busiess i sage Chapter itroductio Settig up a computer accoutig program for a busiess or other orgaisatio will take some time, but as log as the correct data is etered i the correct format
More informationTerms & Conditions and Important Information Personal Loans
Importat Iformatio Terms & Coditios ad Importat Iformatio Persoal Loas This documet icludes: Our Terms of Busiess Data Protectio Statemet Terms ad Coditios (applicable to all Persoal Loas) Please read
More informationDocument of Insurance. Keep me safe. Home Insurance
Documet of Isurace Keep me safe Home Isurace Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your home isurace eeds ad
More informationReceipt Date. You must answer all questions in ink and the application must be signed and notarized, or it will be rejected.
Office of the New York State Comptroller New York State ad Local Retiremet System Mail completed form to: NEW YORK STATE AND LOCAL RETIREMENT SYSTEM 110 STATE STREET - MAIL DROP 5-9 ALBANY NY 12244-0001
More informationYour guide to the Prepaid Funeral Plan 2016
Your guide to the Prepaid Fueral Pla 2016 I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig
More informationSecurely managed insurance solutions. Protected Cell, Incorporated Cell and Segregated Account facilities
Securely maaged isurace solutios Protected Cell, Icorporated Cell ad Segregated Accout facilities About us White Rock is a uique ad leadig group of isurace ad reisurace vehicles with operatios i a umber
More informationLuxury car tax how to complete your activity statement
Istructios for busiesses with luxury car tax obligatios Luxury car tax how to complete your activity statemet For more iformatio, visit www.ato.gov.au NAT 7391-07.2012 OUR COMMITMENT TO YOU We are committed
More informationT4032-BC, Payroll Deductions Tables CPP, EI, and income tax deductions British Columbia Effective January 1, 2016
T4032-BC, Payroll Deductios Tables CPP, EI, ad icome tax deductios British Columbia Effective Jauary 1, 2016 T4032-BC What s ew as of Jauary 1, 2016 The major chages made to this guide, sice the last editio,
More informationSpeak to the experts before you start any project involving basement construction, engineered foundations, underpinning or structural repairs
ASUCplus represets Specialist Domestic Cotractors i: UNDERPINNING Ad Subsidece Repair T E C H N I Q U E S ENGINEERED FOUNDATION S O L U T I O N S CONSTRUCTION OF RETRO-FIT BASEMENTS Speak to the experts
More informationT4032-MB, Payroll Deductions Tables CPP, EI, and income tax deductions Manitoba Effective January 1, 2016
T4032-MB, Payroll Deductios Tables CPP, EI, ad icome tax deductios Maitoba Effective Jauary 1, 2016 T4032-MB What s ew as of Jauary 1, 2016 The major chages made to this guide sice the last editio are
More informationAbout Your Health Care Benefits. Amended and Restated as of January 1, 2005
About Your Health Care Beefits Ameded ad Restated as of Jauary 1, 2005 Itroductio...1 Eligibility...2 For employees...2 If you both work for Citigroup...2 For depedets...3 Qualified Medical Child Support
More informationliving well in retirement Adjusting Your Annuity Income Your Payment Flexibilities
livig well i retiremet Adjustig Your Auity Icome Your Paymet Flexibilities what s iside 2 TIAA Traditioal auity Icome 4 TIAA ad CREF Variable Auity Icome 7 Choices for Adjustig Your Auity Icome 7 Auity
More information